Ridesharing apps like Uber and Lyft are an increasingly common way for people to get around. With so many Uber and Lyft drivers on New Jersey roads, accidents involving them are bound to happen. Fortunately, the state requires ridesharing companies to carry large insurance policies to compensate the victims of accidents caused by their drivers.
New Jersey has a comprehensive law that requires ridesharing companies to take certain safety measures. They must run driving record checks, and their drivers must have safety inspections performed on their vehicles. But even with these precautions in place, their drivers sometimes injure passengers or other people on the road. That’s why New Jersey requires ridesharing companies or their drivers to carry insurance policies. Exactly how much insurance applies depends on what the driver was doing at the time of the crash.
If the driver isn’t logged into the app at the time of the accident, only the driver’s own personal insurance is available to compensate victims. If the driver is logged in and waiting to receive rides, insurance must cover fifty thousand dollars’ worth of injury per person. If the driver has agreed to provide a ride and injures someone on the way to pick up the passenger or after picking up the passenger, then insurance must cover one point five million dollars’ worth of personal injury.
In our experience, it’s best to hire a lawyer who can help to determine the driver’s status at the time of the accident.
A ridesharing driver can be found at fault for an accident whether the injured person is a passenger, a pedestrian, or in another car. But if you’re a passenger, New Jersey law also requires drivers for ridesharing companies to carry one point five million dollars of uninsured or underinsured motorist coverage. This means that if a passenger is injured in an accident where someone other than the Uber or Lyft driver is at fault, the passenger can still receive up to one point five million dollars in compensation if the other driver’s insurance can’t cover the full cost of the injury.
Any driver in New Jersey has to have their own car insurance, which includes Personal Injury Protection (or PIP) benefits that the insurance companies pay out to cover injuries regardless of fault. In most accidents, a person with PIP coverage can’t sue the driver at fault unless they suffered permanent injury, such as a disfiguring facial scar or loss of a limb. However, New Jersey law has an exception that allows PIP policyholders to sue ridesharing drivers even if they haven’t suffered a permanent injury.
If you or a loved one have been injured by an Uber or Lyft driver, contact Rosenblum Law for a free consultation today. Our experienced personal injury attorneys can analyze your situation and negotiate the best possible settlement for you.
Read More: https://rosenblumlaw.com/personal-injury/nj/car-accidents/types/uber-and-lyft-accidents/